Applications / Mortgage Analytics / Lenders / New York / NBT Bank / Competition
NBT Bank
Norwich, NY · National bank · OCC · $15.9 billion assets · 2,741 loans in 2025
2,741
loans originated, 2025
4,238
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Who NBT Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO NEW YORK, 2025
NBT Bank ranks 5th of 377 lenders in non-metro New York, with $105.0M lent: 2.6% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NBT Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — HARTFORD-WEST HARTFORD-EAST HARTFORD, CT, 2025
NBT Bank ranks 74th of 610 lenders in Hartford-West Hartford-East Hartford, CT, with $74.5M lent: 0.3% of a $26.67B market.
Hartford-West Hartford-East Hartford, CT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NBT Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — SYRACUSE, NY, 2025
NBT Bank ranks 11th of 246 lenders in Syracuse, NY, with $59.4M lent: 2.4% of a $2.51B market.
Syracuse, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NBT Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — BUFFALO-CHEEKTOWAGA, NY, 2025
NBT Bank ranks 22nd of 267 lenders in Buffalo-Cheektowaga, NY, with $44.6M lent: 0.9% of a $4.74B market.
Buffalo-Cheektowaga, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NBT Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ALBANY-SCHENECTADY-TROY, NY, 2025
NBT Bank ranks 28th of 265 lenders in Albany-Schenectady-Troy, NY, with $42.7M lent: 0.9% of a $4.52B market.
Albany-Schenectady-Troy, NY is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and NBT Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 55% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — JACKSONVILLE, FL, 2025
NBT Bank ranks 658th of 715 lenders in Jacksonville, FL, with $225K lent: 0.0% of a $14.26B market.
Jacksonville, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and NBT Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — AMHERST TOWN-NORTHAMPTON, MA, 2025
NBT Bank ranks 54th of 199 lenders in Amherst Town-Northampton, MA, with $2.1M lent: 0.3% of a $696.9M market.
Amherst Town-Northampton, MA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and NBT Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — PORTLAND-SOUTH PORTLAND, ME, 2025
NBT Bank ranks 91st of 364 lenders in Portland-South Portland, ME, with $8.7M lent: 0.2% of a $5.78B market.
Portland-South Portland, ME is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and NBT Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED